Mar 14, 2024 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

FCRA Impact on Bankruptcy: Navigating Credit Reporting in Chapter 7 & Chapter 13

How Does the FCRA Influence Credit Reporting During Bankruptcy? The Fair Credit Reporting Act (FCRA) plays a pivotal role in safeguarding the integrity and privacy of your credit information, a matter of utmost importance, especially when dealing with bankruptcy proceedings, whether it’s Chapter 7 or Chapter 13. As a seasoned bankruptcy attorney in Honolulu, Blake Goodman offers invaluable insights...

Mar 3, 2024 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

How To Explain Bankruptcy On Your Credit Report To Future Lenders

Presenting Your Bankruptcy Case To Potential Lenders Bankruptcy is often viewed as a financial fresh start, but it comes with its set of challenges, particularly when it comes to rebuilding credit and seeking new lending opportunities. If you’re in Hawaii and have experienced bankruptcy, you might find yourself in a situation where you need to explain your credit report...

Feb 22, 2024 | By Blake Goodman | Read Time: 5 minutes | Bankruptcy

Loan Modification vs. Refinancing In Hawaii: Which Is Better Post-Bankruptcy?

Navigating Mortgage Adjustments After Bankruptcy: Refinancing Or Modification Options In Hawaii A loan modification adjusts the original conditions of your mortgage loan. In contrast to refinancing, a loan modification doesn’t settle your existing mortgage to start a new one. When you have finally made it past the bankruptcy process, you may be thinking of adjusting your mortgage payments. This...

Feb 2, 2024 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

How Does Bankruptcy Affect Future Mortgage Applications?

Impact Of Bankruptcy On Future Home Loans: Chapter 7 vs. Chapter 13 Insights The impact largely depends on the specific type of bankruptcy—Chapter 7 or Chapter 13—each carrying different implications for one’s ability to secure a mortgage in the future. This crucial distinction underscores the need for clear understanding and strategic planning for those looking to regain financial stability...

Nov 5, 2023 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

Is My Retirement Account Safe if I Declare Bankruptcy?

Safeguarding Retirement Accounts in Hawaii Bankruptcy Individuals who are struggling with debt and considering bankruptcy are often concerned about what will happen to their retirement accounts if they file for bankruptcy in Hawaii. Loss of a retirement account can be significant, which is why it’s always a good idea to consult with a Honolulu bankruptcy law firm for personalized...

Oct 25, 2023 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

How Does My Ex-Spouse’s Bankruptcy Affect Me After Divorce?

What an Ex-Spouse’s Bankruptcy Means for Your Shared Loans Financial disputes and stress are among the most common reasons why couples divorce. When couples are financially struggling while still together, they may struggle even more when living separately. In many cases, one or both spouses may consider filing for bankruptcy during or immediately after their divorce. What happens if...

Oct 22, 2023 | By Blake Goodman | Read Time: 3 minutes | Bankruptcy

What Happens To HSA & MSA Funds In Chapter 7 Bankruptcy?

HSA & MSA Funds in Chapter 7 Bankruptcy: Exemptions, Implications, and Strategies If you are considering filing for a Chapter 7 bankruptcy but have a health savings account (HSA) or a medical savings account (MSA), you may be wondering whether you’ll be able to keep those funds after you’ve filed. With an HSA, you can set aside pre-tax money...

Oct 15, 2023 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

Can You Preserve Your LLC If You Are a Business Owner Filing for Chapter 7?

How Chapter 7 Bankruptcy Affects Your Business & Assets If you’re a business owner who is thinking about filing for bankruptcy, you might be wondering what will happen to your LLC and your business holdings. These situations can be complex so it’s best to consult with your bankruptcy attorney in Honolulu for personalized advice. However, there are some general...

Sep 28, 2023 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

The Bankruptcy Means Test: Qualifying For Chapter 7 Bankruptcy

How To Calculate Your Chapter 7 Means Test In Hawaii If you’ve decided to file for bankruptcy, one of the first decisions you’ll need to make is whether to file for Chapter 7 or Chapter 13. These are the two most common types of bankruptcy, but have different methods and approaches. With a Chapter 7 bankruptcy, some of your...

Aug 13, 2023 | By Blake Goodman | Read Time: 4 minutes | Bankruptcy

How Often Can You File for Bankruptcy in Hawaii?

Do Hawaii Bankruptcy Laws Affect Your Filing Frequency? The decision to file for bankruptcy is a major one that comes with various stipulations and timelines. One common question is how often you can file for bankruptcy, a topic that necessitates professional insight. Guidance from a seasoned Honolulu bankruptcy attorney can shed light on this complex matter, helping you navigate...

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Mr. Goodman and his staff are so nice and personable.

When I first came to Mr. Goodman’s office, I was prepared to file bankruptcy – I was tens of thousands of dollars in debt and could see no way out. He helped me work out a payment plan then negotiated with my creditors on my behalf...

Steve